ByChristopher Elliott,

Senior Contributor.

The travel forecast for this winter is in, and it looks like American travelers are rewriting their vacation plans.

For years, the standard operating procedure for a winter getaway was simple: Find the nearest patch of sand, order a drink with a tiny umbrella, and post a photo of yourself getting sunburned. But according to a new survey by travel insurance company Allianz Partners USA, that dynamic is shifting.

While 84 percent of Americans are confident they’ll travel this holiday season, the way they are traveling is changing.